Author Archives: Ranjan

About Ranjan

Over 16 years of work experience in Insurance, Housing Finance and Investment operations.

Financial Literacy Series: Financial Systems

Posted on June 20, 2007 by Ranjan

I have been busy working on the financial literacy programme for me and you. If you have come here without looking at this backgrounder post, It will be my request that you take a look at the introduction post too. … Continue reading →

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Posted in Financial Literacy Series, Personal Finance | 1 Comment

Fibonacci Sequence as the Golden ratio

Posted on June 15, 2007 by Ranjan

Since June 18(Phi day) – or 6.18 as math junkies know it — perfectly represents the Fibonacci number or the golden ratio, it is a good time to take alook at what this is all about.   Even though the Fibonacci … Continue reading →

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Posted in Financial Literacy Series, Stocks | Leave a comment

Financial Literacy Programme for Me and You

Posted on June 14, 2007 by Ranjan

I need to go through a financial literacy programme and I am making that effort. So do you, dude. I’ve hated finance. Maybe because I was not able to understand the jargons and the maths. But I guess ignoring personal … Continue reading →

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Posted in Asset Allocation, Budgeting, ETF, Financial Literacy Series, Index Funds, India, Insurance, Investing, Mutual Funds, Personal Finance, Planning, Stocks | Leave a comment

Financial Literacy Drive Treasure Post

Posted on June 12, 2007 by Ranjan

This post links to a treasure trove of information on personal finance. Actually, April was National Financial Literacy Month in the US and JDR (GetRichSlowly) has the ultimate collection of posts covering everything on Personal Finance. Other than the 20 … Continue reading →

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Posted in Asset Allocation, Budgeting, ETF, Index Funds, Insurance, Investing, Mutual Funds, Personal Finance, Planning | Leave a comment

What is Finance?

Posted on May 9, 2007 by Ranjan

I was in Rishikesh a few years back in the winters and one old resident told me, “The water is warm when the Sun has not risen. Try it”, with a straight face. Next morning, it was pretty dark when … Continue reading →

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Posted in Investing, Personal Finance | 1 Comment

Transparency in Mutual Funds

Posted on May 8, 2007 by Ranjan

Open letter to SEBI by Personalfn.com, a financial planning initiative. It can be reached at info@personalfn.com. I have their permission to reproduce the article. Dear Mr. Chairman: The fact sheet of a mutual fund scheme that is released by its … Continue reading →

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Posted in Index Funds, India, Investing, Mutual Funds | 3 Comments

Power and Magic of Compounding

Posted on May 4, 2007 by Ranjan

Simple maths tell us more about the power of starting early and investing regularly rather than any rants. Check out this simple calculator by Hugh where he gives an option to compare two savings/investing options. I have taken the following … Continue reading →

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Posted in Budgeting, Investing, Personal Finance, Planning | Leave a comment